Flexible solutions for self-employed clients

Flexible solutions for self-employed clients

Unusual trading year? At Family Building Society, we understand the need for flexibility.

We take a sensible view of income and trading history. We'll take into account unusual trading years, investment in the business or even when the applicant withdraws from the business to pay into their pension.

We'll even look at accounts prior to submission so that we can find flexible solutions to your client's needs.

What income can we consider?

• The most recent SA302 or online HMRC Self-Assessment Return showing the tax calculation of the income.

• HMRC calculation of the tax due and the tax year overview showing the total tax due and how much has been paid.

• The last 2 years of audited accounts prepared by a Certified or Chartered Accountant.

• An accountant's reference or other corroborative information.

• For Limited Companies, where applicants have a 33% + financial stake in the business, we may consider their proportion of net profit and salary over the recent years

Find out more and see just how flexible we can be!

Semi-exclusive products

Did you know that on top of our standard range of products we have additional semi-exclusive products available via our packaging partners? Speak to your local Business Development Manager for more information.

For more information on our mortgage products, please visit our website or contact your local BDM or our mortgage desk

Affordability Calculator

Find out how much your residential client may be able to borrow. To see affordability for a Buy to Let client, use our Buy to Let calculator

Find Your Local

Business Development Manager

Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.

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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services from pensions and investments to mortgages. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.

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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.

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Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.

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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.

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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.

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Your Local BDM:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.

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Your Local BDM:

Darren Deacon

Darren has over 28 years' Financial Services experience and focuses on both the East and West Midlands as well as the Southwest. Contact Darren for help with your clients' mortgages.

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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.

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We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed

We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.

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